Sued by a Debt Collector

Just because you are sued by a debt collector does not mean you will lose. Whoever sues you must show it owns the debt and that you owe the debt.

Debt collector sue you? Find out your 5 options now….

The video above is quite comprehensive but we realize some folks prefer to read rather than watch a video so we have the transcript below.  Feel free to watch (or listen — the slides are not critical to understand the presentation) or read — whatever your preference is…. And I realize you may rather just pick up the phone and call us — feel free to do this by calling 205-879-2447 and we’ll be happy to chat with you.  You… (Read more)

Sued by Synchrony Bank? Discover your 5 options now (hint: 4 options do not include bankruptcy!)

Synchrony Bank files hundreds of collection lawsuits in Alabama every month — most if not all filed by the Rausch Sturm law firm out of Enterprise, Alabama.  I’m assuming you have been sued by Synchrony Bank if you are reading this.  You have five options when sued by Synchrony — and only one is bankruptcy.  And bankruptcy is hardly ever a good choice. But before we get into that, let’s see the big picture of what we’ll cover in this article:… (Read more)

Advertisement letters from lawyers saying I have been SUED: Are these a SCAM or legit?

Advertisement letters from lawyers saying I have been SUED: Are these a SCAM or legit? Have You Actually Been Sued?   The Initial Doubt The first step is to verify whether you have actually been sued. If you receive a letter in the mail from a law firm or mediation company stating that you’ve been sued, it’s natural to question its legitimacy. This is especially true given the number of scams that exist today, from phishing attempts to fraudulent emails… (Read more)

LVNV Sued You

LVNV Sued You Why are they suing? And what are your options? LVNV has sued you in a debt collection lawsuit. Why are they suing you, and what are your options?   Who is LVNV Funding, LLC?  This is a debt collector or a debt buyer. They are suing you because they claim that they have bought an old debt. The debt might be from Credit One, Synchrony Bank, Chase, or another old original creditor, but they claim to have… (Read more)

What Happens When You Are Sued By a Debt Collector In District or Small Claims Court In Alabama

What Happens When You Are Sued By A Debt Collector in District or Small Claims Court in Alabama   An overview of the process from beginning to end. In my hands, I’m holding a copy of a typical lawsuit, which is also called a complaint. A debt collector, such as Unifund, Midland Funding, LVNV, Portfolio Recovery, or Asset Acceptance, prepares a complaint. They file this document in court, and it states who is suing you. The lawsuit will have your… (Read more)

What if you settle a debt? Are there tax consequences?

Maybe you received a collection letter in the mail, or maybe you got sued, and you settled by paying some money to the original creditor or the debt collector. What are the tax consequences? Let me give you the general guidelines. There are exceptions to this, and some answers may have to be sought elsewhere, but with this information, you can at least have enough knowledge to ask the right questions.   Forgiven debt is taxable income to you There’s… (Read more)

Adjudication on the merits means debt collector who sued you cannot credit report on you or continue to collect against you!

So you have been sued by a debt collector (or even an original creditor).  You get the case dismissed with prejudice and then the collector (or creditor) is still collecting against you.  Is this legal or illegal?  What in the world does the expression “adjudication on the merits” mean for you (hint:  its a good thing!). Possibilities when you are sued by a collector in a collection lawsuit Judgment for plaintiff (the one who sued you) Judgment for defendant (you… (Read more)